Dental finance simplified: smile now, pay later!

Afterpay, Zip and the National Dental Plan, all available at Spa Dental Sydney CBD, so cost is never the reason you put off treatment.

Talk with our team

Top 1%Invisalign® Provider
4,726+Smile Makeovers
30+Years of Practice
3,457+Implants Placed

Your payment options

Clear terms, no fine print

Every option here is available at the practice. The terms belong to the provider rather than to us, so we have set them out in full below instead of burying them in a footnote. For the treatment costs these apply against, see Treatment Plans; for genuinely necessary treatment, early release of super is a separate pathway.

Afterpay
Pay 25% upfront, then the rest over three more fortnightly instalments, interest-free when paid on time. Good for smaller treatments and top-ups, like a whitening session or a single filling. Late payments can incur fees, and Afterpay is regulated under Australian credit law.
National Dental Plan
National Dental Plan (NDP) isn't a single lender, it's a dedicated dental payment plan powered by two underlying providers, Zip Money and humm, you choose which suits you when you apply.
Zip Money
Finance up to $30,000, interest-free for up to 48 months on purchases of $500 or more (shorter terms apply below that). A $9.95 monthly account fee applies, waived if nothing's owing at month's end, plus a one-off establishment fee of up to $99. No deposit needed on the day, repayments can be weekly, fortnightly or monthly. Any balance left once the interest-free period ends reverts to the standard variable rate.
humm
Finance up to $20,000, interest-free for up to 24 months, no interest charged at all. A deposit of 0% to 20% may apply depending on approval, plus a one-off $70 establishment fee and a $9.95 monthly fee. Repayments are fortnightly.
Both options can be paid out early with no penalty, and approval is a same-day, few-minutes process, online, in-app, or in practice.
Zip Pay and Zip Money
Zip Pay suits amounts up to $1,000, with repayments from around $10 a week. For larger treatments, Zip Money covers amounts over $1,000, with interest-free periods available. Both are subject to a credit assessment.

*Terms, fees, interest rates and approval are set by each provider (Afterpay, Zip, National Dental Plan) and subject to change, confirm current terms directly with the provider before committing. This page is informational, not financial advice.

Choosing between them

How to choose

The right option mostly comes down to the size of the treatment and how long you want to spread it.

Enquire with us

Smaller treatments, shorter terms
Afterpay or Zip Pay suit single-visit or lower-cost treatments you can comfortably clear in a few fortnights.
Bigger treatment, longer runway
The National Dental Plan or Zip Money suit staged treatments like Invisalign®, veneers or implants. Our Treatment Plans page shows how larger cases are broken down.
Not sure which fits?
Ask our team at your consultation, we'll talk through your treatment plan and the repayment terms side by side, so you're choosing with full information.

FAQs

Questions? We are glad you asked.

Do I need good credit to be approved?

Zip and the National Dental Plan both involve a credit assessment by the provider, approval isn't guaranteed and depends on their criteria, not ours.

Is there really no interest?

Afterpay and Zip Pay are interest-free when paid on time. Through the National Dental Plan, humm charges no interest at all, ever, but does require a deposit. Zip Money (also available through NDP) is interest-free within its term, up to 48 months, but reverts to a standard variable rate on any balance left unpaid after that term ends, so it pays to clear it within term.

Can I combine a payment plan with my health fund rebate?

Yes, we claim your HICAPS rebate in-house first, then apply your chosen payment plan to the remaining balance.

Can I apply before my appointment?

Yes, most patients apply for Zip or the National Dental Plan online before or during their visit, ask our team for the current application link.